Calculate your net worth: assets minus liabilities. Track savings, investments, property, vehicles, business value, and all your debts in local currency.
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Net Worth Calculator
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Your Net Worth
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Debt-to-Assets Ratio: 0%
Frequently Asked Questions
What is a good net worth by age in Africa?
A common rule of thumb: Net Worth should be approximately 1x annual salary by age 30, 3x by 40, 6x by 50. In African context, this varies widely by country, profession, and family obligations. More important than benchmarks: focus on the trend — is your net worth growing consistently each year?
Should I include my house in net worth?
Yes, include the current market value of your home. However, your primary residence is an illiquid asset — you can't easily access that wealth without selling. It's useful to calculate both "total net worth" (including home) and "liquid net worth" (excluding home) to understand your financial flexibility.
How do I value my business for net worth calculation?
A simple approach: annual profit x 2-5 (depending on business stability). A more accurate approach: use the Seller's Discretionary Earnings (SDE) or EBITDA x industry multiple. For informal businesses or early-stage companies, be conservative (1-2x annual net profit). Overvaluing your business inflates your net worth unrealistically.